Call reports 2015
CITIZENS BANK OF CLOVIS, THE — 2015
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 339,835,000 | 342,731,000 | 337,382,000 | 349,842,000 |
| Total loans | 141,807,000 | 144,484,000 | 151,339,000 | 159,024,000 |
| Allowance for loan losses | 1,498,000 | 1,498,000 | 1,498,000 | 1,523,000 |
| Securities available for sale | 171,224,000 | 169,151,000 | 158,868,000 | 150,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,943,000 | 288,846,000 | 290,920,000 | 298,165,000 |
| Interest-bearing deposits | 233,687,000 | 228,775,000 | 232,094,000 | 236,466,000 |
| Noninterest-bearing deposits | 57,256,000 | 60,071,000 | 58,826,000 | 61,699,000 |
| Equity capital | 32,695,000 | 32,161,000 | 33,293,000 | 34,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,305,000 | 4,629,000 | 7,092,000 | 9,735,000 |
| Interest expense | 484,000 | 947,000 | 1,405,000 | 1,859,000 |
| Net interest income | 1,821,000 | 3,682,000 | 5,687,000 | 7,876,000 |
| Noninterest income | 249,000 | 513,000 | 779,000 | 1,048,000 |
| Noninterest expense | 1,395,000 | 2,901,000 | 4,287,000 | 5,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 687,000 | 1,311,000 | 2,201,000 | 3,182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 687,000 | 1,311,000 | 2,201,000 | 3,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,340,000 | 34,532,000 | 35,036,000 | 36,013,000 |
| Total capital | 35,838,000 | 36,030,000 | 36,534,000 | 37,536,000 |
| Risk-weighted assets | 146,870,000 | 149,423,000 | 156,033,000 | 188,359,000 |
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